Dog Walker Insurance in  Texas

Kirk Insurance can help you find affordable, quality Dog Walker insurance in Texas.
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Dog Walker Insurance in Texas

Also providing insurance to residents in Colorado, Kansas, New Mexico, and Oklahoma

What is dog walker insurance?

Dog walking has become quite a viable way to earn good income, with many Texas residents doing it full- or part-time. Whenever watching or walking another’s dog, however, there are risks involved. Dog walker insurance may protect people doing this work from many of the risks they’re exposed to.

Dog walker insurance is tailored to meet the unique needs of professional dog walkers. These policies typically combine several types of coverage, which dog walkers can usually customize.

Who in Texas should consider dog walking insurance?

Any professional or business that charges for dog walking services may want dog walking insurance. This generally applies to Texas residents who do this full-time, part-time, or on the side. Some examples of people who might need this coverage include:

  • Full-time or part-time professional dog walkers
  • People who walk dogs as a side job for additional income
  • Pet sitters who include dog walking in their services
  • Pet boarders who include dog walking in their services
  • Businesses that employ several dog walkers

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Dog Walker Insurance Texas

What types of coverage are usually included in dog walker policies?

Dog walker policies can offer a variety of coverages to address different risks associated with offering this and related services. Though the exact protections can vary by policy, many policies offer the following::

General Liability Coverage

May cover a range of common accidents that could cause injury or property damage to someone else.

Commercial Auto Coverage

May cover a work vehicle that’s used to travel to and from clients’ homes.

Lost Key Coverage

May cover the cost of replacing a client’s lost key and rekeying their home’s locks, if a key is misplaced and not found.

Animal Bailee Coverage

May cover a dog’s disappearance, injury or death if something happens to the dog while in the walker’s care.

Errors and Omissions Coverage

 May cover bad advice that’s given to clients, and leads to their dog being injured or otherwise harmed.

Dog Walker Insurance Texas

Is dog walking insurance necessary when informally walking a neighbor’s dog?

People who walk dogs for friends, neighbors, or family without charging a fee normally don’t require dog walking insurance. Although there are still risks of a dog attacking, running away or being injured while walking them, these are frequently covered by homeowners insurance’s liability coverage when there isn’t a fee charged.

When dog walkers charge for their services, homeowners insurance’s liability coverage is much less likely to apply. Dog walking insurance might be needed in these cases, even if it’s a friend, neighbor or family member who’s paying.

If there’s any question as to whether a dog walker policy should be purchased, an insurance agent who specializes in these policies can help sort through the matter. A specialized agent will be familiar with the provisions of homeowners liability coverage and of dog walker policies, and thus has the knowledge needed to recommend the best option for a dog walker’s situation.

Do dog walkers need commercial auto insurance?

Personal auto insurance policies might or might not basic work-related driving, such as driving to and from clients’ homes. Whether this driving would be covered depends on the specifics of a person’s personal auto insurance.

If a personal auto policy provides coverage as a standard or optional feature, then this is likely the most efficient way to insure driving between clients’ homes. A commercial policy could be necessary if coverage isn’t an option through a personal auto policy.

Dog walkers who have a business-owned vehicle normally need a commercial policy, as a personal policy typically won’t insure a commercially registered vehicle that’s owned by a business.

How can dog walkers in Texas obtain dog walker insurance?

If you’re a dog walker in Texas in need of insurance, reach out to the independent insurance agents at Kirk Insurance Agency. Our agents have the knowledge and experience to guide you through the process of exploring dog walker insurance policies, and will make sure you find a great policy that’ll keep you protected well.

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